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CSU Health Insurance Education Project

Insurance Costs (for 2014 coverage)

Under the new law, if you make less than $15,860 or your family makes less than $32,500 (for a family of 4), you or they may be eligible for the state's Medi-Cal program. Medi-Cal provides comprehensive health coverage, usually at no cost to those who qualify. Under the new law, individuals of all ages may quality for Medi-Cal. You do not have to have a child to qualify.

Individuals who earn between $15,860 and $45,960/year and families who earn between $32,500 and $94,200/year may qualify for financial assistance through Covered California. The less a person's earnings, the greater the financial assistance that will be provided.

Here are a few examples of the levels of financial support available in 2014.

Estimated Monthly Costs of Bronze-level Insurance for Sample Individuals & Families
  Age Income Total
Premium
Government
Pays
Individual/
Family Pays
Individual 21 $15000 Eligible for
Medi-Cal
All Costs $0
Individual 24 $22000 $154 $96 $58
Family of 2 24, 28 $35000 $321 $217 $104
Family of 4 Adults:
both 45
Children:
18, 21
$50000 $598 $515 $83

To get an estimate of the assistance you or your family might receive, visit Covered CA's cost calculator.

Additional scenarios include:

Estimated Monthly Costs of Bronze-level Insurance for Sample Individuals & Families
  Age Income Total
Premium
Government
Pays
Individual/
Family Pays
Individual 18 $16000 $98 $85 $13
Family of 3 Parent:
39
Children:
18, 21
$40000 $348 $247 $101

Anyone buying insurance as an individual or as a family may purchase their insurance through Covered California. They may also purchase insurance direct from insurance companies.

However, if an individual or family is eligible for and wishes to receive financial assistance in the purchase of their insurance, they must purchase it through Covered California. There are two ways you can enroll in a low-cost, discounted insurance plan:

  1. Visit the Covered California website. You will find information about the insurance plans being offered in your area, descriptions of the choices you have in health care benefits, and means of determining how much you or your family will have to pay for the different insurance options available to you.
  2. Contact a Certified Enrollment Counselor. CSU campuses may have Enrollment Counselors who will help you with enrollment at NO CHARGE to you. If not, you can call Covered California for free assistance with enrollment at (800) 300-1506.

For more information on enrollment and enrollment options see insurance options.